For hail, Lantana’s building-damage rate is in the top 3% of U.S. census tracts
On FEMA’s National Risk Index, Lantana gets a C+ for hazard risk: higher expected damage per building than 61% of U.S. towns, #407 of 642 in Texas. Most of that expected damage is river and rain flooding (66%), then hail (18%). Flood insurance has paid 1 claim here since 1995.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Lantana faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hail
Tornadoes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Lantana’s grade
River and rain flooding is 66% of the building damage FEMA expects in Lantana, and Lantana’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts. Hail adds 18%, at a rate in the top 3% of U.S. census tracts.
C+ #407 of 642 in Texas; higher expected damage per building than 61% of U.S. towns (21,298).
Lantana’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Lantana has more expected damage per building than 63% of Texas towns.
In dollars, FEMA expects about $5.1M a year in losses across Lantana: $3.3M to buildings, the rest to people and crops.
Does Lantana flood? Rarely: 1 flood claim since 1995
Every paid claim on a federal flood insurance policy in Lantana, from FEMA’s records: 0.3 per 1,000 homes, fewer than 96% of the 13,809 U.S. towns with a flood insurance record.
Lantana isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Denton County.1 federal disaster brought FEMA money to Lantana
Disasters that paid out in Lantana itself (aid to households or repair grants to Lantana), newest first, with that year’s flood claims.
- 2008Hurricane Dolly1 households applied for aid$3K aid approved
Denton County has had 17 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Denton County, 2006–2006.
Old photos of Lantana after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lantana archive →Lantana and its neighbors
Lantana is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bartonville | B+less damage than 67% | river and rain flooding | 1 |
| Copper Canyon | B−less damage than 51% | river and rain flooding | 4 |
| Double Oak | B−more damage than 51% | river and rain flooding | 15 |
| Lantana | C+more damage than 61% | river and rain flooding | 1 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Lantana faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Lantana
Is Lantana at risk for natural disasters?
On FEMA’s National Risk Index, Lantana has higher expected damage per building than 61% of U.S. towns: C+ for hazard risk, #407 of 642 in Texas. Most of the expected damage is river and rain flooding (66%) and hail (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Lantana flood?
Flood insurance has paid 1 claim in Lantana since 1995, $7K in all, or 0.3 per 1,000 homes, fewer than 96% of U.S. towns with a flood insurance record.
Is Lantana in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Denton County, 28% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Lantana?
FEMA’s Community Rating System list shows no discount for Lantana’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Lantana?
By FEMA money that reached Lantana, Hurricane Dolly (2008): 1 households applied for aid, $3K approved.
Is Lantana at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Lantana’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lantana.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lantana’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.